Co-Staff Services, LLC
Updated Filing received by DOL
Co-Staff Services, LLC, an administrative & support services employer in Royal Oak, Michigan, reported 854 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $10M in insurance premiums across 10 contracts and $629,429 in broker commissions and fees, 3.7% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 11, 2026, within the extension window.
Who was paid on Co-Staff Services, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Co-Staff Services, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Michael R Bulgarelli · Southfield, MI | $384,604 | $0 | $384,604 | 2 |
| Costaff Benefit Services Inc · Southfield, MI | $244,825 | $0 | $244,825 | 8 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 942 | $6.4M | $246,771 | 3.8% |
| Blue Care Network of Michiganhealth, prescription drug, HMO | 609 | $3.9M | $137,833 | 3.6% |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 1,545 | — | $14,880 | — |
| Unum Insurance Companycoverage not coded | 837 | — | $19,543 | — |
| Unum Insurance Companycoverage not coded | 710 | — | $38,522 | — |
| Starmount Life Insurance Companydental | 1,632 | — | $90,236 | — |
| Starmount Life Insurance Companyvision | 1,534 | — | $23,099 | — |
| Unum Life Insurance Company of Americalife | 879 | — | $38,313 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 471 | — | — | — |
| Unum Insurance Companycoverage not coded | 466 | — | $20,232 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Co-Staff Services, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $6,628 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,321 | 854 | −35.4% |
| Premiums filed | $8,474,226 | $10,279,372 | +21.3% |
| Broker commissions + fees | $569,932 | $629,429 | +10.4% |
| Commission rate | 4.0% | 3.7% | −0.3 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Co-Staff Services Health and Welfare Plan#550 · insurance, general assets | June 30, 2025 | March 11, 2026 | within extension | 854 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Co-Staff Services, LLC pay in health insurance broker commissions in 2024?
Co-Staff Services, LLC's 2024 Form 5500 reports $629,429 in broker commissions and fees across 10 insurance contracts ($629,429 in commissions, $0 in fees), with Michael R Bulgarelli receiving the largest share.
Is Co-Staff Services, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan.
How does Co-Staff Services, LLC's broker compensation compare with similar employers?
Co-Staff Services, LLC paid 3.7% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Michigan is 3.2%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.